Terms of Use

1. Acceptance of Terms

Welcome to NS Federation. By accessing or using our Services, including our mobile application and website, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Description of Services

NS Federation provides a digital platform connecting Chinese Americans with various services and opportunities, including:

• Community networking and social features
• Referral services for insurance (auto, home, health)
• Referral services for commercial and residential loans
• Referral services for trust and estate planning
• News and information resources
• Deals and discount programs
• Business hub and networking opportunities
• Member rewards program (工分 system)

3. User Accounts and Registration

3.1 Account Creation

To access certain features, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

3.3 Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement.

4. Referral Services

4.1 Nature of Referral Services

NS Federation acts as a referral platform connecting users with third-party service providers. We do not provide insurance, lending, or legal services directly. All such services are provided by licensed third-party professionals and companies.

4.2 Member Referral Program

Members may participate in our referral program and earn work points (工分) for successful referrals. Referral rewards are subject to verification and compliance with program rules. We reserve the right to modify or terminate the referral program at any time.

4.3 Third-Party Relationships

Your relationship with third-party service providers is governed by their respective terms and conditions. NS Federation is not responsible for the actions, products, or services of third-party providers.

5. User Conduct

You agree not to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Post false, misleading, or fraudulent information
• Engage in harassment, abuse, or hate speech
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Services
• Use automated systems to access the Services without permission
• Engage in any activity that could harm NS Federation or its users

6. Intellectual Property

6.1 Our Content

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of NS Federation or its licensors and are protected by copyright, trademark, and other intellectual property laws.

6.2 User Content

You retain ownership of content you submit to our Services. By submitting content, you grant NS Federation a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content in connection with operating and promoting the Services.

7. Work Points (工分) System

Our work points system rewards member participation and referrals. Points have no cash value and cannot be transferred or sold. We reserve the right to modify point values, redemption options, and program rules at any time. Points may expire according to program terms.

8. Disclaimers and Limitations of Liability

8.1 Service "As Is"

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Services will be uninterrupted, secure, or error-free.

8.2 Limitation of Liability

To the maximum extent permitted by law, NS Federation shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

9. Indemnification

You agree to indemnify, defend, and hold harmless NS Federation and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of or related to your use of the Services or violation of these Terms.

10. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Services will immediately cease.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our Services. Your continued use of the Services after such changes constitutes acceptance of the modified Terms.

13. Contact Information

If you have questions about these Terms, please contact us at: